薪資自動轉帳
Ryan and Michelle are friends. They are discussing a checking account that Ryan just opened.
萊恩與蜜雪兒是朋友。他們在討論萊恩剛開設的活期帳戶。
Ryan: I just opened a new checking account for the income from my new job.
萊恩：我剛開了新的活期帳戶來存新工作的收入。
income(n.)收入income tax所得稅annual income年收入net income淨收入
Michelle: That’s good. A new account for a new job can sometimes be a good thing.
蜜雪兒：那很棒啊。為新工作開設新帳戶有時是件好事。
Ryan: Right. By opening a new account, I’ll be able to bypass the minimum account balance because I’ll have direct deposit from the new job.
萊恩：對啊，透過開設新帳戶，我可以忽略掉最低帳戶餘額的限制，因為新工作的薪資會自動轉帳。
bypass(v.)越過、忽略、置～於不顧deposit(n.)(v.)存款fixed deposit定存direct deposit自動轉帳pre-authorized payment自動扣款
Michelle: Oh, your old account required a minimum account balance?
蜜雪兒：哦，你的舊帳戶有最低帳戶餘額的規定？
Ryan: Yes. I had to keep at least $1,000 in the account, or I would get hit with a fee of $15 per month.
萊恩：對啊。我得維持至少1,000元的帳戶餘額，否則我每個月都會被收取15元的費用。
get hit with被收取某費用
Michelle: That doesn’t seem too hard to maintain, though.
蜜雪兒：但那聽起來不難維持啊。
maintain(v.)維持、保持
Ryan: Well, it was hard sometimes. My old account calculated the balance as an average over the month, not just the actual dollar amount in the account at the end of the month.
萊恩：有時候還挺難的。我的舊帳戶是以整個月來計算平均餘額的，不只是看月底的實際帳戶餘額。
calculate(v.)計算calculator(n.)計算機average(adj.)(n.)平均(的)
Michelle: That seems confusing, especially if you dip below the minimum and don’t keep track of the time.
蜜雪兒：那還真令人混淆，尤其是當餘額低於最低限度，以及沒有留意日期的時候。
dip below降至～以下keep track of sth.追蹤或記錄某事lose track of sth.未跟上某事的進度、未更新某事的資訊
Ryan: Agreed. I’m just happy to not have to worry about that anymore. It will be much better to focus on how to spend my new income.
萊恩：我同意。我很開心不必再為那煩惱了。著重於要怎麼花用新收入才更好些呢。
focus on著重於～